Stock Average Cost Calculator Terms of Use

1. These terms

These terms govern the Stock Average Cost Calculator app ("Stock Avg") between you and Loheden AI Solutions AB ("we"). By downloading or using Stock Avg you accept them. Our privacy policy describes how we process personal data; it is not part of these terms.

2. Stock Avg is not financial advice

Stock Avg is a calculator. It does not place orders, connect to a broker or provide market data. It is not financial, investment, tax or trading advice, or an offer or solicitation to buy or sell anything, and we are not your adviser. Its figures and scenarios come from what you enter and may be wrong; they do not predict any outcome. You make your own decisions and bear all their risk. As far as the law allows, we are not liable for any trading or investment loss or lost profit.

3. Licence and use

We give you a personal, non-transferable licence to use Stock Avg on devices you own or control, for your own non-commercial use, under these terms and the rules of the app store you got it from. You may not copy, resell, sublicense or share it, get around a purchase or a limit, use it unlawfully or to harm others, use it or its output to build a competing product or to train an AI model, or reverse engineer it except where the law allows that.

4. Your data and your device

What you enter is kept on your device. We do not hold a copy of it and cannot recover it. You answer for the security of your device.

5. Purchases

Stock Avg is sold as a one-time purchase or a subscription. Purchases, renewals, cancellations, price changes and refunds are handled by the app store you bought from, under its rules. A subscription renews until you cancel it in your app store account; deleting the app does not cancel it.

6. Changes to Stock Avg

We may change, suspend or discontinue Stock Avg or any part of it. Towards a consumer we do so only for a valid reason, such as a legal, security, technical or commercial one.

7. Ending access

We may suspend or end your access at once if you break these terms or the law, commit fraud, reverse a payment, become subject to sanctions, or where the law requires it, with no refund beyond what the law gives.

8. No warranty

TO THE FULLEST EXTENT THE LAW ALLOWS, STOCK AVG IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AVAILABILITY AND NON-INFRINGEMENT.

9. Liability

As far as the law allows, we are not liable for indirect or consequential loss, lost profit, revenue, business, goodwill or data, or loss caused by others, and our total liability is limited to, for a subscription, one month's worth of your latest payment for Stock Avg (that payment scaled to one month of the period it paid for, so a twelfth of a yearly one), and for a one-time purchase, what you paid for it, but no more than USD 100 or the same value in the currency you paid in. If you use Stock Avg as a private person, we are not liable for any loss in a business activity. This does not limit liability that the law does not allow us to limit.

10. Indemnity

A business customer indemnifies us against claims, losses and costs arising from its use of Stock Avg in breach of these terms or the law.

11. Time to claim

A business customer must bring any claim within one year of when it knew or should have known of it.

12. Sanctions and age

You confirm that you are 18 or older, that you are not subject to EU, UN, US or Swedish sanctions, and that you are not in a place under a comprehensive embargo.

13. Changes to these terms

We may change these terms. A one-time purchase keeps the version accepted; a new version covers new purchases. For a subscription we tell you in the app or on this page before a renewal to which a new version applies, and you may cancel before it does.

14. Law and courts

These terms are governed by Swedish law, without its conflict-of-law rules and excluding the UN Convention on Contracts for the International Sale of Goods. A consumer keeps the protection of the mandatory rules of the country where they live. Any dispute with a business, or with a consumer living outside the EU, the EEA, Switzerland and the United Kingdom, is settled exclusively by the Swedish courts, with the district court for our registered office as the first instance. Outside the EU, the EEA, Switzerland and the United Kingdom, claims may be brought only individually, not as a plaintiff or class member in a class or representative action, and any jury trial is waived.

15. General

If a clause is invalid, the rest stands. These terms are the whole agreement about Stock Avg. We may transfer our rights and obligations to a company that takes over Stock Avg. We are not liable for delay or failure caused by events beyond our reasonable control. We may give notice in the app or on this page. We may use any feedback you give us for any purpose, without obligation to you.

16. App Store

These apply in addition to the terms above if you got Stock Avg from the App Store.

• These terms are between you and Loheden AI Solutions AB only, not Apple, and we, not Apple, are solely responsible for Stock Avg and its content.
• Your licence is to use Stock Avg on Apple-branded products you own or control, as the Usage Rules in the Apple Media Services Terms and Conditions permit; other accounts linked to you may use it through Family Sharing or volume purchasing where applicable.
• We are solely responsible for any maintenance and support of Stock Avg, as these terms or the law require; Apple has no obligation to provide any.
• We are solely responsible for any product warranty, express or implied by law, to the extent not effectively disclaimed. If Stock Avg fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for Stock Avg. As far as the law allows, Apple has no other warranty obligation, and any other claims, losses, liabilities, damages, costs or expenses from a failure to conform to a warranty are our responsibility.
• We, not Apple, are responsible for addressing any claim by you or a third party about Stock Avg or your possession or use of it, including product liability claims, claims that it fails to conform to a legal or regulatory requirement, and claims under consumer protection, privacy or similar law.
• If a third party claims that Stock Avg or your possession or use of it infringes its intellectual property rights, we, not Apple, are solely responsible for investigating, defending, settling and discharging that claim.
• You confirm that you are not in a country subject to a US Government embargo or designated by the US Government as a "terrorist supporting" country, and that you are not on any US Government list of prohibited or restricted parties.
• Questions and complaints about Stock Avg go to Loheden AI Solutions AB at the contact details below.
• You must follow any third-party terms that apply when you use Stock Avg, such as your mobile data agreement.
• Apple and its subsidiaries are third-party beneficiaries of these terms, and once you accept them Apple may enforce them against you as a third-party beneficiary.

17. Google Play

If you got Stock Avg from Google Play, the Google Play Terms of Service also apply, and Google handles subscriptions and refunds for that purchase. Google is not a party to these terms.

18. Contact

Loheden AI Solutions AB, org. no. 559261-7566, Vretavägen 26, 71993 Vintrosa, Sweden. Email: sharepredictions@loheden.com.